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better financial decisions for your mortgage
Tips, steps, procedures, comparison tools... Everything you need to get to your new home.
How do I apply for a mortgage?
5 steps to apply for a mortgage from your bank. Where do I start?
The best way to start is at the beginning. We recommend you start step by step to apply for your Bankinter mortgage. We will be with you all the way until the signature. We summarise the process in 5 steps. We try to be as clear so you have as few doubts as possible. Let's go
How do you apply for a Bankinter mortgage?
There are five steps to applying for a mortgage
We tell you how to apply for your mortgage in greater detail:
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Talk to us and provide the documents
You can do it using our website, by telephone banking or in one of our branches. We can go over your personalised offer, the documents required and your numbers.
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We analyse the transaction.
Once authorised, we will confirm the terms and conditions. These sometimes change following the appraisal.
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Opening the account and time to appraise the house
First enter the appraisal value and then the provision of funds for the purchase, and the costs of the notary, the registry, etc.
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Approval and dispatch to the administration company. And we will give you a binding offer with the agreed terms and conditions
You will receive an approved document, also known as a personalised file (FIPER). This contains all the terms and conditions of your mortgage for you to review. If everything is ok, this is what you will sign before the notary. We will also provide you with the funds, so they are credited to your account before signature.
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And formalise and sign everything before the notary
When you have the funds in your account and all the documents, it is finally time to sign the mortgage and purchase your home. And that's it! You own your home!
Have you got a personalised offer based on your data yet? You can ask for one, here and now, with no commitment. Absolutely, no commitment.
Bankinter's team of mortgage managers can help you with your figures, your questions and your particular requirements. You can ask for a personalised offer, right here and right now, with no commitment.
Fixed-rate, variable-rate or mixed mortgage. Which is yours?
Yours is the one that suits you best. Consider the features and advantages of each before choosing.
Fixed-rate mortgage
If what you are looking for is peace of mind. The same interest rate and payments throughout the life of the loan.Variable-rate mortgage
Remember that the euribor rises and falls depending on the market.Mixed mortgage
A combination of the previous two. Fixed interest during the first few years and a variable rate for the remaining years.Ask for some good advice before asking for a mortgage. We will give you it before you ask.
We have 5 ideas that can help get you nearer to your new home
Make sure you meet the requirements
Such as age, employment stability and not having other major debts that might hinder the transaction. You can review with us everything you should consider before buying your house
Be very clear about the numbers
You must calmly assess the initial financial effort and the monthly savings capacity required, so there aren't any surprises in future. Look carefully at the numbers, your savings, expenses...
Be very clear about the costs of absolutely everything
We have grouped all the costs of having your own home and arranging a mortgage, so that don't get confused, everything is easier for you and you are clear about what everything relates to. And you can simulate them with your own real data.
Compare them and find out which type of mortgage is best for you
They are not all the same. Whether you choose a fixed-rate, mixed or variable mortgage depends on your current or future financial situation, your tolerance of risk and uncertainty, and how you think your life might change in the coming years.
Ask, ask and ask again
This is the best advice we can give you. Doubts are never good, particularly with such an important decision. There are answers to all your questions, and at Bankinter we give you them all.